….and some of you will probably still vote Reform :(
Replies
Political independence! Shouldn't you be deleting your own post?
posted by Jim (Guest) - Wednesday 18th February 2026, 6:46 PM
So let this country go to pot as long your pension to go up
posted by Magicman (Guest) - Wednesday 18th February 2026, 7:42 PM
Magicman' if not your pension, think of your son or daughter's? Triple keeps up with the living cost, which will only go one way and that is up!
posted by OWEN - Wednesday 18th February 2026, 7:53 PM
Time to take your pick. Triple lock or mass deportations. Hmmmm, difficult choice.
posted by Paddy O’Doors (Guest) - Wednesday 18th February 2026, 7:59 PM
I am , this countries going to pot, I would sacrifice pension for a better uk
posted by Magicman (Guest) - Wednesday 18th February 2026, 8:07 PM
The problem with the pension is that governments have spent the money you pay in so it’s not actually saved anywhere. It should be taken from your earnings and invested to pay for future pensions. National Insurance should actually be insurance and not an additional tax that the government lumps in with income tax. Someone who’s worked all their life gets a state pension and someone who’s done sod all or arrived in the back of a lorry gets pension credit which amounts to the same figure. There’s no reward whatsoever to graft. What they should do is pay less pension credit and the can triple lock the state pension to kingdom come. A substantial reduction in all the other freebies the feckless get wouldn’t go amiss either.
posted by Paddy O’Doors (Guest) - Wednesday 18th February 2026, 8:55 PM
Here you go again MST, but you can knock Nigel and the rest of Reform, as much as you like, and luckily you and your other parties friends, will realise that soon enough. The Reform party, are the only party, to put this country first, and put it back in shape. I'm sorry but Starmer, Reeves, Davey, and Zak someone in the Greens, are all more than useless, and MST, if you think any different I will be very surprised, as I would l d have thought that you would love this country, and not despise it, as the mob that I have mentioned most certainly do.
posted by LTS (Guest) - Wednesday 18th February 2026, 9:24 PM
Paddy' its not just about immigration and immigrants. The fact is there are 9 million people or more jobless and i didn't know those facts until Jim Rattcliffe said nine million. Unfortunately, he used a few choice words that drew in racism and all hell broke loose but he has a point. I get your point about people coming in uninvited and no point anymore when there is 9 million inactive. The problem is how do you get 9 million into work? Our systems are out dated and not fit for purpose. In my twenties the big stick was used and i signed on and the condition then was to join work force or task force and accept £10 a week doing various jobs such as cutting edges etc etc or lose my benefits completely, that is called the big stick approach and the woke brigade and human rights wouldn't allow any of that now because of impacting human rights. Mental illness is branded about like confetti and this labour lot are scared to infringe down that route. Blairs tax credit was meant to help out temporary and get you back on your feet, people do the minimum hours and it makes people lazy. The word Citizenship means very little and not many will plough the field now more than ever. Yes' its wrong and if the good Lord say's that Adam and Eve, Cain and Abel will work and toil the land until they return to dust, that means we all should be working if fit and able. England is never racist and it is one of the most tolerant places in the world where England always helps the poor, the sick, etc etc. The fact still remains, anybody fit and able at working age should work and thats it. How do we get people into work? I don't know.
posted by OWEN - Wednesday 18th February 2026, 9:33 PM
Oh Owen, you know O’Doors has the attention span of a Tory voter. It’s not all about immigration but it’s a nice easy fix. Get ‘em gone. Billions saved in bennies payments, houses freed up, NHS queues slashed, school places available. People not working? Nice easy fix. The seven seven diet, no Universal Credit, no money for Greggs or KFC, no grub. My dad, used to say. hunger is the best sauce.
posted by Paddy O’Doors (Guest) - Wednesday 18th February 2026, 10:09 PM
I just hope, unlike America, we do not elect a fascist Government. Farage now presents himself as a reasonable man, but if you elect him you will have an evil monster running this Country.
posted by The Time Is Now - Wednesday 18th February 2026, 10:31 PM
Bit like the left wing fascist running the country at the moment. Well done lefty time!
posted by Jim (Guest) - Thursday 19th February 2026, 5:15 AM
Out of interest MST, as we all now know that Nigel Farage is not among your favourite people, designated to run this country, who in your opinion, do you think should be the next PM and party. It's funny that nobody has mentioned Kemi, and the Conservatives, probably because they are well behind the eight ball, but maybe it will end up with a Reform, Tory combination. Now that would be interesting.
posted by Alan B (Guest) - Thursday 19th February 2026, 8:06 AM
Farage and Reform aside (for the record, I don't support them - see what happened in US with Trump with a far right party!) but Triple lock is far too generous and not affordable! While many people who worked think they are OWNED the money, the fact is majority of them, unless you are a high earner, with the tax and NI they paid their entire working life, would not be anywhere sufficient to fund the pension they are getting. You'd need a saving pot of near 300k to fund a £12.5k p.a. pension, without index linked increases. In reality, you'd need something like £400k plus for a triple lock pension. Does everyone think the tax and NI they paid amounted to anywhere near 400k, even with inflation factored in!!
posted by JohnC (Guest) - Thursday 19th February 2026, 8:53 AM
John C, with greatest of respect, that’s COMPLETE nonsense. My private pension fund had a pot of just over £350k and I drawdown £30k pa which, with interest over time will last until I am 90. I am 68 this year paid. I paid NI at the higher rate for 50 years and my state pension is still less than half the minimum wage. Can’t wait for you lot that are yet to retire to find out what it’s REALLY like to live in retirement- nothing is cheaper you know!! I would be happy with a Tory/Reform coalition provided that Tories were the ruling party however, not with Bad Enoch ;0) as PM.
posted by MST (Moderator) - Thursday 19th February 2026, 9:30 AM
JohnC' the state pension will be £12,500 and my private one will be around £9,000 annually after lump sum.Ask me the question, do you think i should get the triple lock to keep up with inflation? I think i deserve to and no matter who is retired or about to retire, they will say they deserve it. 40 years plus of paying your stamps? And remember they take 20% of my £9,000 which I think is about £1,800. The triple lock is the same as everyone getting a pay rise every year or you would struggle even more to keep up with the cost of living. Lots of washing up for the missus for me and the odd trip down to Craven Cottage, not many trips abroad on mine in retirement but it is what it is.
posted by OWEN - Thursday 19th February 2026, 9:40 AM
MST - agree my numbers maybe slightly exaggerated but you are drawing an equivalent of 8.5% annuity rate, which you will not get from any insurers! You might if you are ill health and not index linked. More realistic rate is about 5-5.5% (gets you around 18k p.a.) that is index linked, which is less generous than the tripe lock. hence, i doubt any insurers would prepared to offer triple lock for less than 300k.
posted by JohnC (Guest) - Thursday 19th February 2026, 9:45 AM
Don’t believe I’m saying this great post Paddy your 8.55 spot on . Does it really matter who gets in load of crooks. I’m a old boy and have never known a Government to keep to a manifesto yet, all faulse promises to gain power
posted by DMK (Guest) - Thursday 19th February 2026, 9:58 AM
Owen, thanks, I forgot about tax. I am on a “K” code so all my private pension gets taxed plus the add the amount over the tax free threshold. John C, I am not with an insurer, I saved with St James’ Place (the oldest financial institute in London). Those who take out stakeholder pensions and purchase annuities are ill advised. Whilst annuity will last until you die, the return is half as much as drawing down and stakeholder pensions are poorly returned. You pays your money you takes your choice. Also my wife is not at retirement age yet as she is only 63 so in four years, I will drop my drawdown by the value of her state pension.
posted by MST (Moderator) - Thursday 19th February 2026, 10:03 AM
We are now back on the political front, started by MST, on this was once a Fulham football forum.
I will just finish by saying that we should all now vote REFORM, as they are no doubt that they are our last hope of a decent life, a decent cost of living, and a decent pension, that this country can afford without so many U turns. That's it, I have said my bit, so we can we please get back to Fulham football postings in future.
posted by AC (Guest) - Thursday 19th February 2026, 11:37 AM
How can they be the last chance full of old Tory’s that let us down, all a load of crooks
posted by DMK (Guest) - Thursday 19th February 2026, 11:59 AM
MST, voters in general are fed up with the main two Parties so they will turn to Reform. In my opinion, Reform will hold the balance of power and one of the other Parties will have to eat humble pie and join with them to form a Government.
posted by bigboy4650 (Guest) - Thursday 19th February 2026, 3:17 PM
I have to take issue with you MST , St James Place is most definitely not the oldest financial company in the U.K. You’d be lucky to find it has been established for more than 30/35 years. Started by that upstanding and honest Mark Weinberg after he ripped everyone of for years with Allied Crowbar, I mean Dunbar. Didn’t St James place get mired in a financial scandal whereby they creamed off £450 million + of clients money? And like crowbar have consistently been accused of excessive fees. You’re lucky if you emerged unscathed. Just think you could/might have ended up with a whole lot more of your money:))
posted by Mortlake (Guest) - Thursday 19th February 2026, 3:32 PM
Mortlake, I don’t know what the original statement was regarding St. James’s place but I can confirm C Hoare & Co.is generally recognised as the oldest financial institution, founded by Sir Richard Hoare in 1672. This was closely followed by Barclays Bank, Bank of Scotland and Coutts & Co, all in the 17th Century.
posted by bigboy4650 (Guest) - Thursday 19th February 2026, 3:59 PM
Mortlake and Bigboy, read my post again. I never mentioned the UK.
posted by MST (Moderator) - Thursday 19th February 2026, 4:06 PM